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For expats aged 50 to 70 living in Thailand

Exclusive Regency partner: 30% off

Private health insurance for expats over 50 in Thailand

Cover for private hospital treatment in Thailand and abroad, from a licensed insurer. See your exact yearly price in under a minute, with no email needed. Our Bangkok team then sends it to you in writing, by email and WhatsApp.

Your price in 30 seconds. No email needed.

See your price

Three questions. No email, no sign up.

Who needs cover?

Standard, our most popular plan

$1,701 a year

Usual price $2,430You save $729

About $142 a month, with your 30% Abbey-only discount.

See all 4 plansEmail me this quote
  • Choose your own licensed hospital in Bangkok, Phuket, Chiang Mai or anywhere outside the USA
  • Hospital stays billed straight to the insurer wherever possible
  • New policies for anyone up to age 70, on your own or with your partner

Already insured? Upload your policy and compare

30% off, only through Abbey. Abbey Insure holds an exclusive partnership with Regency, the insurer. Same policy, same hospitals, same claims team. Other brokers selling these plans can't offer this price.

Exclusive partner of Regency
The licensed insurer behind every plan

4.4 out of 5 on Trustpilot
From 703 reviews of the insurer, Regency for Expats

Best Customer Service 2026
Global Banking and Finance Review awards

A real office in Bangkok
Empire Tower, Sathorn, Bangkok 10120

Your prices

How much does health insurance cost for an expat over 50 in Thailand?

For a 55 year old living in Thailand, hospital cover costs $882 a year. With GP and specialist visits included, it's $1,190 a year, about $99 a month. From 60 to 70 the same two plans cost $1,260 and $1,701 a year. Prices are set in age bands that change at 50 and at 60, and are reviewed each year at renewal.

Showing yearly prices for a 62 year old, living in Thailand.

Change your details

Four plans, each building on the last

All issued by Regency Assurance. All cover you worldwide except the USA.

Major Medical

Hospital stays and surgery

Usual price $1,800

$1,260

Your Abbey price a year, about $105 a month

You save $540 a year

Apply onlineEmail me this quote
Most popular

Standard

Hospital, plus GP and specialist visits

Usual price $2,430

$1,701

Your Abbey price a year, about $142 a month

You save $729 a year

Apply onlineEmail me this quote

Comprehensive

Adds rehab, check-ups and ongoing care

Usual price $3,150

$2,205

Your Abbey price a year, about $184 a month

You save $945 a year

Apply onlineEmail me this quote

Fully Comprehensive

Everything, with a private room and dental

Usual price $4,140

$2,898

Your Abbey price a year, about $242 a month

You save $1,242 a year

Apply onlineEmail me this quote
Yearly limit
$1,000,000
$1,000,000
$1,000,000
$2,000,000
Hospital stays and surgery
Semi-private room
Semi-private room
Semi-private room
Private room
Surgeon fees
Up to $25,000
Up to $25,000
Up to $25,000
Paid in full
Cancer treatment in hospital
Up to $20,000
Up to $20,000
Up to $20,000
Paid in full
GP and specialist visits
Not included
$750 each a year
$750 each a year
Paid in full
Prescriptions, scans and tests
Not included
$750 each a year
$750 each a year
Paid in full
Physio and rehabilitation
Not included
Not included
5 physio visits and 30 days rehab
10 physio visits and 45 days rehab
Ongoing conditions that start after you join
Not included
Not included
$1,000 a year
$10,000 a year
Health check and vaccinations
Not included
Not included
$250 each
$500 each
Dental and glasses
Not included
Not included
Emergency dental only
Routine and major dental, and optical
24-hour emergency line and counselling
Included
Included
Included
Included

Major Medical

Hospital stays and surgery

$1,260 a year

Usual price $1,800You save $540

Apply online
What's covered
  • Yearly limit
    $1,000,000
  • Hospital stays and surgery
    Semi-private room
  • Surgeon fees
    Up to $25,000
  • Cancer treatment in hospital
    Up to $20,000
  • GP and specialist visits
    Not included
  • Prescriptions, scans and tests
    Not included
  • Physio and rehabilitation
    Not included
  • Ongoing conditions that start after you join
    Not included
  • Health check and vaccinations
    Not included
  • Dental and glasses
    Not included
  • 24-hour emergency line and counselling
    Included
Most popular

Standard

Hospital, plus GP and specialist visits

$1,701 a year

Usual price $2,430You save $729

Apply online
What's covered
  • Yearly limit
    $1,000,000
  • Hospital stays and surgery
    Semi-private room
  • Surgeon fees
    Up to $25,000
  • Cancer treatment in hospital
    Up to $20,000
  • GP and specialist visits
    $750 each a year
  • Prescriptions, scans and tests
    $750 each a year
  • Physio and rehabilitation
    Not included
  • Ongoing conditions that start after you join
    Not included
  • Health check and vaccinations
    Not included
  • Dental and glasses
    Not included
  • 24-hour emergency line and counselling
    Included

Comprehensive

Adds rehab, check-ups and ongoing care

$2,205 a year

Usual price $3,150You save $945

Apply online
What's covered
  • Yearly limit
    $1,000,000
  • Hospital stays and surgery
    Semi-private room
  • Surgeon fees
    Up to $25,000
  • Cancer treatment in hospital
    Up to $20,000
  • GP and specialist visits
    $750 each a year
  • Prescriptions, scans and tests
    $750 each a year
  • Physio and rehabilitation
    5 physio visits and 30 days rehab
  • Ongoing conditions that start after you join
    $1,000 a year
  • Health check and vaccinations
    $250 each
  • Dental and glasses
    Emergency dental only
  • 24-hour emergency line and counselling
    Included

Fully Comprehensive

Everything, with a private room and dental

$2,898 a year

Usual price $4,140You save $1,242

Apply online
What's covered
  • Yearly limit
    $2,000,000
  • Hospital stays and surgery
    Private room
  • Surgeon fees
    Paid in full
  • Cancer treatment in hospital
    Paid in full
  • GP and specialist visits
    Paid in full
  • Prescriptions, scans and tests
    Paid in full
  • Physio and rehabilitation
    10 physio visits and 45 days rehab
  • Ongoing conditions that start after you join
    $10,000 a year
  • Health check and vaccinations
    $500 each
  • Dental and glasses
    Routine and major dental, and optical
  • 24-hour emergency line and counselling
    Included

Yearly prices in US dollars for everyone selected, including your 30% Abbey-only discount. Optional emergency evacuation cover adds $275 a person a year. Your final price is confirmed once the insurer has reviewed your application. Read the full policy wording.

What members say

Rated 4.4 out of 5 by Regency for Expats members

Abbey Insure arranges Regency for Expats policies. These are reviews of Regency on Trustpilot, quoted word for word.

4.4 out of 5 from 703 reviewsRegency for Expats on Trustpilot
Claims

Thus far i've had two claims with regency for Expats

“Thus far i've had two claims with Regency for Expats, and can only speak highly of their service, the claims process and the speed at which the funds were returned back into my account. … I submitted my claim electronically (Thu), the next day they registered it (Fri), it was approved 2 days later (Sun) and I had the funds back in my account 3 days later (Wed).”

Ray, NetherlandsJune 2021. Read on Trustpilot
Claims

Client for 3 years!

“Im a client with Regency since 3 years. I am extremely satisfied. I am a traveller and in all the countries I used Regency, all my claims have been paid out (Turkey, UAE, Saudi, Belgium, Spain, …).”

Ardijan, BelgiumDecember 2025. Read on Trustpilot
Thai visa

Regency insurance non o-a visa thailand

“Good explanation how i can use Regency Health insurance for my non o-a visa in Thailand.”

Siebe, ThailandOctober 2026. Read on Trustpilot
Choosing a plan

Great service

“Really helpful and patience by the sales agent, who really knew the product. Was helpful to get the right policy, not necessarily the most expensive.”

Roger, United KingdomNovember 2026. Read on Trustpilot
Value

Regency have you covered!

“Regency provided a very good plan suitable to my needs with very good value for money. … Super helpful customer service and the benefits of the plan were clearly explained. Highly recommend it as an option for medical insurance in Asia.”

Andy, Hong KongJuly 2026. Read on Trustpilot
Applying

Easy application process

“The process was easy and quick. All of my questions were thoroughly explained.”

Terry, United StatesNovember 2026. Read on Trustpilot

Ratings and review count as shown on Trustpilot in November 2026. An ellipsis marks text left out of a longer review.

The Abbey discount

Why is the same cover cheaper with Abbey?

Abbey Insure has an exclusive partnership with Regency Assurance. You get the same Regency policy, the same hospitals and the same claims team, at 30% below the insurer's standard price. Other brokers selling these plans can't offer that rate.

For a 62 year old in Thailand on Standard, that's $729 back in your pocket every year you renew.

Other brokers
With Abbey
Same Regency policy
Same hospitals and claims team
Adviser based in Bangkok
Varies
Standard, age 62, a year
$2,430
$1,701

Already insured? Upload your policy and see what you could save.

Add your current policy or renewal notice and see it next to the same level of cover with Abbey. Our team then sends you an honest written review, even if the answer is to stay put.

Compare my policy

Your official quote

Get your official quote from Abbey Insure

Leave your details and our Bangkok team will send your official quote by email, and on WhatsApp if you like. No sales calls. You decide if and when to apply.

Abbey Insure client team

Head office, Empire Tower, Bangkok. Exclusive partner of Regency Assurance.

WhatsApp +66 64 530 6901 · quotes@abbeyinsureasia.com

  1. 1

    Your quote arrives by email

    Straight away, with every benefit set out in writing.

  2. 2

    A message from our team on WhatsApp

    Ask us anything in writing, whenever suits you. No phone calls unless you ask for one.

  3. 3

    Apply when you're ready

    You pay nothing until the insurer has approved your application.

Already decided? Apply online now. It takes about 60 seconds.

Your quote

$1,701 a year (usual price $2,430)

For a 62 year old, living in Thailand

Send my quote by (choose any)

We only use these details to send your quote. No sales calls, no mailing lists, and no medical details needed at this stage. Privacy policy.

Before you apply

What does this insurance not cover?

Conditions you already have when your policy starts are not covered, on any plan. Nor is treatment in the USA, pregnancy or cosmetic surgery. We'd rather you hear that from us now than at a hospital desk.

New illnesses and injuries that begin after your cover starts are covered, up to your plan's limits. That's why it pays to arrange cover while you're well. Once a condition exists, no insurer will cover it as new.

Conditions you had before you joined

Anything diagnosed, treated or showing symptoms before your start date.

Treatment in the United States

Every other country is covered, including your home country.

Pregnancy, cosmetic and elective surgery

Also excluded: treatment in active war zones and for substance misuse.

Limits worth knowing

Below Fully Comprehensive, cancer treatment in hospital is capped at $20,000 and surgeon fees at $25,000. Our team will walk you through them.

Who stands behind your policy

Who is Abbey Insure, and who is the insurer?

Abbey Insure is the insurance agency of Abbey Lifestyle Financial Planners, based in Bangkok. We are insurance agents for expats living in Asia, and we arrange Regency for Expats policies through an exclusive partnership. Your policy is issued and paid out by Regency Assurance, a regulated international insurer trading as Regency for Expats.

The insurer

Regency Assurance underwrites every plan and runs claims, with a 24-hour assistance line. Named Best Customer Service, International Health Insurer UK 2026, by Global Banking and Finance Review.

Abbey Insure

Insurance agents for expats living in Asia, part of Abbey Lifestyle Financial Planners, at Empire Tower, Bangkok 10120. Our client team handles quotes, applications, renewals and claims support.

Thai retirement visas

Do I need health insurance for a Thai retirement visa?

Yes, if you hold or are applying for an O-A or O-X visa. No, if you extend a Non-O visa on retirement grounds inside Thailand. Even without a rule, one hospital stay in Bangkok can cost more than years of cover.

NON-IMMIGRANT O-A

Required

฿3,000,000

of cover a year, about $89,000

New applications and extensions

O-X, 10 YEAR VISA

Required

฿440,000

฿400,000 inpatient and ฿40,000 outpatient, about $13,000

For each year of the visa

NON-O EXTENSION

Not required

No minimum

for retirement extensions made inside Thailand, at present

Still strongly advised

Every Abbey plan clears the O-A minimum more than 11 times over

Ask us about visa insurance

O-A visa minimum

$89,000

Abbey plans, yearly limit

$1,000,000+

Before you apply for your visa, we confirm in writing whether your policy comes with the certificate Thai immigration asks for.

Hospital and claims

What happens if I need to go into hospital in Thailand?

You call the insurer's 24-hour line. For a hospital stay, they send the hospital a guarantee of payment and settle the bill with them directly, wherever possible. You don't need to find the money first.

1

Call the assistance line

They check your cover and can suggest reputable hospitals for your condition, in English.

2

The insurer guarantees the bill

For hospital stays, they confirm payment with the hospital before treatment, so you aren't asked for a deposit.

3

You go home. They settle up.

The hospital sends the bill to the insurer. You keep the paperwork in case anything is queried.

In an emergency

Go straight to the nearest hospital. You don't need permission first. Call the assistance line as soon as you're able.

GP visits and prescriptions

Pay the clinic, send your receipt, and the money is usually back in your account within a few days.

Questions

Questions people over 50 ask us most

Can't see yours? Message our team on WhatsApp and ask a person.

Answers reviewed by the Abbey Insure advice team.

Can I get cover if I am over 70?

New policies are available up to age 70. If you are close to 70, apply now rather than later. Message our team and we'll tell you honestly what options there are, including whether an existing policy can carry on.

Will my price go up as I get older?

Yes, normally. Prices are set in age bands (under 50, 50 to 59 and 60 to 70), so your price goes up when you move into the next band. Prices also rise over time with medical inflation, and the insurer reviews them each year at renewal. Your renewal price is confirmed in writing before it is due, so there are no surprises.

Are pre-existing conditions covered?

No. Any condition you had, or had symptoms of, before your policy starts is excluded on every plan. New conditions that start after you join are covered up to your plan limits.

Can I use Bumrungrad, Bangkok Hospital or Samitivej?

Yes. There is no restricted list of hospitals, so you can use any licensed hospital in Thailand. For planned treatment, call the insurer first so they can arrange direct billing where possible.

Am I covered when I visit family in the UK or Europe?

Yes. Cover applies in every country except the United States, including your home country, so trips home and holidays are covered too.

Can my partner and I be on the same policy?

Yes. Each person is priced on their own age and both are named on one policy. Use the price checker to see the combined cost.

Is this the same as travel insurance?

No. Travel insurance protects a trip and usually only pays for emergencies. This is health insurance for people who live abroad, covering planned treatment, specialists and hospital stays wherever you are.

How long does it take to be covered?

Applying online takes about 60 seconds. The insurer reviews your application within 24 hours, Monday to Friday. Once approved you receive a secure payment link, and cover starts on your chosen date once you've paid.

Why is the same cover cheaper with Abbey Insure?

Abbey Insure has an exclusive partnership with Regency Assurance, so you get the same Regency policy, hospitals and claims team at 30% below the insurer's standard price. Other brokers selling these plans can't offer that rate.

See your price in under a minute

No email needed. When you're ready, we send it to you in writing.

Check my priceMessage us on WhatsApp